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Westpac Altitude Rewards Black
Bonus Point
Interest Rates
180000
20.99
Reward Point
1.25
Annual fee
$200 first year ($295 after)
Pros.
Up to 180,000 bonus Altitude Rewards Points
Discounted annual fee for the first year
Complimentary lounge passes
Complimentary overseas travel and purchase insurance
Cons.
Up to 45 interest-free days on purchases, compared to other cards offering up to 55 days
Standard annual fee of $295, which is relatively high
The Westpac Altitude Black Card offers the highest earn rate of any Altitude Rewards credit card, with no points cap. You'll earn between 1.25 and 6 points per $1 on all eligible spending, with the top earn rate for bookings made in Australia with Qantas, Jetstar, Singapore Airlines, and Emirates. The card also provides up to 45 interest-free days on new purchases when you pay the full balance listed on your statement by the due date. If the balance is not paid in full, a variable interest rate of 20.99% p.a. will apply.
Details
Product Details
Product Name
Westpac Altitude Rewards Black
Balance transfer rate p.a.
N/A
Balance transfer limit
N/A
Purchase rate p.a.
20.99
Interest-free days
Up to 45 dayson purchases
Cash advance rate p.a.
3%
Min credit limit
$15,000
Card type
Mastercard
Fees & Charges
Annual fee
$200 first year ($295 after)
Minimum monthly repayment
N/A
Late payment fee
$15
Foreign currency conversion fee
3%
Cash advance fee
3%
Overseas cash advance fee
3%
Additional cardholder fee
$0
Number of additional cardholders
1
Eligibility
Available to temporary residents
No
Minimum income
$75,000
Joint application
No
Rewards
Rewards program
1.25
Bonus points
180000
Rewards points per $ spent
1.25
Rewards points cap
180,000
How to Apply
You can apply for the Westpac Altitude Black Credit Card by completing a secure application on the bank's website. Before starting, ensure you meet the eligibility requirements and have all the necessary details and documents for your application.
Eligibility Criteria
New Cards Only: To qualify for the bonus points offer, you must not have held any of the following Westpac credit cards in the past 24 months: Altitude Classic, Altitude Platinum, Altitude Black, Earth Classic, Earth Platinum, Earth Platinum Plus, or Earth Black.
Income: You must earn at least $75,000 per year.
Residency: You must be an Australian citizen or permanent resident currently living in Australia.
Age: You must be at least 18 years old to apply.
Required Documents
Personal Details: Provide your full name, email address, residential address, date of birth, driver's license number, marital status, number of dependents, and contact number.
Employment Details: You’ll need to include your current employment status, job title, salary, and employer’s contact details. Recent payslips or bank statements are required to verify your income. If you're self-employed, provide your accountant's contact details and supporting documents like recent tax assessment notices.
Financial Details: Include any other income sources (e.g., government payments or pensions), as well as details of assets like savings. You’ll also need to disclose existing debts, loans, and credit cards, along with an estimate of your regular household expenses.
Card benefits
You can apply for the Westpac Altitude Black Credit Card by completing a secure application on the bank's website. Before starting, ensure you meet the eligibility requirements and have all the necessary details and documents for your application.
Eligibility Criteria
New Cards Only: To qualify for the bonus points offer, you must not have held any of the following Westpac credit cards in the past 24 months: Altitude Classic, Altitude Platinum, Altitude Black, Earth Classic, Earth Platinum, Earth Platinum Plus, or Earth Black.
Income: You must earn at least $75,000 per year.
Residency: You must be an Australian citizen or permanent resident currently living in Australia.
Age: You must be at least 18 years old to apply.
Required Documents
Personal Details: Provide your full name, email address, residential address, date of birth, driver's license number, marital status, number of dependents, and contact number.
Employment Details: You’ll need to include your current employment status, job title, salary, and employer’s contact details. Recent payslips or bank statements are required to verify your income. If you're self-employed, provide your accountant's contact details and supporting documents like recent tax assessment notices.
Financial Details: Include any other income sources (e.g., government payments or pensions), as well as details of assets like savings. You’ll also need to disclose existing debts, loans, and credit cards, along with an estimate of your regular household expenses.
Rates & fees
Annual Fee: This card has a standard annual fee of $295 p.a. (outside of any promotions). Be sure to consider this fee against the value you'll receive from earning rewards and using additional perks, such as airport lounge access and complimentary insurance.
Purchase Interest Rate: The variable interest rate on purchases is 20.99% p.a.
Interest-Free Period: You can enjoy up to 45 interest-free days on new purchases when you pay your full monthly payment balance (as listed on your statement) by the due date. Please note that these interest-free days do not apply to any longer-term interest rate promotions, and the monthly payment balance excludes any existing balance transfers.
Cash Advance Rate: The variable interest rate on cash advances and cash-equivalent transactions is 21.99% p.a.
Credit Limit: The minimum credit limit for this card is $15,000.
Foreign Transaction Fee: A 3% foreign conversion fee applies to purchases made with international retailers.